Balory - Budget & Finance

Balory helps you understand your budget, expenses and money goals - local, private and with calm coaching for your next step.

Balory – Your Personal Finance Coach

No account. No cloud. No ads. Your data stays exclusively on your device — always private, always secure. Balory analyses your finances across 6 dimensions and calculates your personal Financial Health Score, with concrete coaching tips tailored to your situation.

FINANCE COACH Balory analyses your finances across 6 dimensions and calculates your personal Financial Health Score. You get concrete coaching tips tailored to your situation – not to averages. Savings rate, fixed costs, emergency buffer, budget discipline: Balory shows you exactly where you stand and how to improve.

FINANCIAL JOURNEY Track your progress on a personal journey with 20 milestones. A monthly review shows how your score evolves over time.

DASHBOARD AND ANALYTICS Balance charts, category breakdowns and trend analysis at a glance. Plus: daily budget, monthly and 6-month forecast, and a what-if calculator for financial decisions.

SMART INSIGHTS Automatic detection of spending spikes and trends – with financial tips like the 50/30/20 rule, building an emergency fund, or the latte factor effect.

WEEKLY REPORT Every Monday: income, expenses, savings rate, comparison to the previous week and top spending – clearly presented.

IMPORT BANK STATEMENTS Import OFX, CSV and XLS files from your bank with automatic duplicate detection and smart categorisation.

ACCOUNTS AND MULTI-CURRENCY Multiple accounts in different currencies – including transfers and a full balance overview.

RECURRING TRANSACTIONS Rules for rent, subscriptions and insurance – never miss a scheduled transaction again.

BUDGETS AND SAVINGS GOALS Budget targets per category and savings goals with progress tracking.

EXPORT AND BACKUP Export data as Excel or PDF. Full backups without cloud.

SECURITY App lock with PIN or biometrics. No unauthorized access possible.

Balory is your personal finance companion – offline, secure and ad-free.